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Of particular concern were several assumptions that regulators made in administering the tests, like the timing and severity of losses on mortgages, credit card, and commercial real estate loans.
These include the severity of losses on assets like mortgages, credit card loans and commercial real estate loans, as well as the banks' potential to generate earnings.
The objects to be insured must be numerous enough and homogeneous enough to allow a reasonably close calculation of the probable frequency and severity of losses.
According to analysts at JPMorgan Chase, the severity of losses on securities tied to car loans could rise close to those on subprime mortgages.
Other banks, including Bank of America and Wells Fargo, are also pushing back hard on the regulators assumptions, including the severity of losses on assets like mortgages, credit card and commercial real estate loans, as well as their potential to generate earnings.
Roof bed-separation water hazard, emerged only recently, has quickly attracted close attention due to its frequency of occurrences and severity of losses incurred.
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Table 1 Severity of loss of extension of the knee Loss of extension Severity score 0 3 Normal 4 5 Mild 6 10 Moderate >10 Severe.
These can all be performed using order-of-magnitude estimates for the initiating cause frequency, the effectiveness of protection layers, the severity of loss event consequences, and the inclusion of other risk-reduction factors.
Careful analysis of the probability of gain and the severity of loss - including real attention to the human cost - is key.
Additionally, the severity of loss of skin γδ T cells in BKS db/db mice correlates with a period of rapid expansion of γδ T cells in the epidermis at 6-weeks of age.
Thus, when defining pathology, the severity of loss, the current activity and the age of the patient must be considered.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com